INCOME TAXES - Schedule of deferred tax assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Allowance for loan losses and REO	$ 4,242	$ 4,617
Net unrealized losses on securities available for sale	9,529	0
Net unrealized losses on derivatives	0	69
Accrued postretirement benefits	1,195	1,217
Accrued interest receivable	187	179
Accrued bonus	730	506
Stock compensation	150	0
Premises and equipment	109	0
Finance lease liability	7,681	7,504
Charitable contribution carryover	2,729	2,709
Unrealized actuarial loss on post retirement benefits	0	342
Federal net operating loss carryforward	5,417	6,648
State net operating loss carryforward	1,879	2,392
Other	0	37
Total gross deferred tax assets	33,848	26,220
Valuation allowance	(22,570)	(16,868)
Gross deferred tax assets after valuation allowance	11,278	9,352
Deferred tax liabilities:
Net unrealized gains on securities available for sale	0	327
Net unrealized gains on derivatives	3,118	0
Deferred loan fees, net	772	1,198
Unrealized actuarial gains on post retirement benefits	105	0
Premises and equipment	0	489
Finance lease ROU asset	7,282	7,156
Other	1	182
Total gross deferred tax liabilities	11,278	9,352
Net deferred tax asset	$ 0	$ 0